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Aviation Mechanic Insurance

Are you just starting out as a solo aviation mechanic? Or maybe you've been in business for awhile and it's time to expand because things are going really well. Whichever point you're at in your career, you and your team are responsible for inspecting aircraft to ensure it's safe. You probably also repair it and provide routine maintenance too. But if something goes wrong, you're going to need aviation mechanic insurance. It doesn't matter whether you work on private planes, commercial jets, or helicopters, if an accident happens on your watch, your company needs to know it's protected.

General Liability

General liability is base level insurance that all aviation mechanics need, because there will eventually come a time when you're blamed for something. A person might get hurt, or someone's property gets damaged, and if the blame is pointed at your company, you'll be expected to pay the bills. With GL for aviation mechanics, those bills are covered by your policy instead.

Claim Example: What's Covered?

  • A customer slips on oil on the ground in your hangar and hurts themselves from the fall.
  • While you're conducting maintenance on a client's aircraft, you accidentally drop a tool that dents a wing.
  • Someone files a lawsuit against you, claiming that your maintenance was faulty and it caused a mechanical failure.

BOP Coverage for Aviation Mechanics

Since your mechanic company owns a lot of valuable assets, it's important to protect those too. When you add property protection to your general liability coverage, it's called a Business Owners Policy, or BOP. With it, the physical property that your company owns is protected from damages and loss caused by accidents and unexpected events.

Claim Example: What's Covered?

  • A wildfire or extreme weather even damages your hangar and workshop.
  • You lose income when you're forced to remain closed for a week after a severe storm damages your facility.
  • Thieves steal expensive tools and diagnostic equipment.
  • People out to vandalize or engage in criminal activities cause damage to your premises.

Workers' Compensation For Aviation Mechanics

Workers' compensation is what you need when something bad happens to an employee. People get hurt while they're working everyday. And the risks are even higher for people working in industries like yours, where large tools are heavy, and the things they're fixing are even heavier. So if someone gets hurt while they're working, this coverage takes care of all the related costs.

Claim Example: What's Covered?

  • An employee suffers a severe back injury while lifting aircraft components.
  • Medical bills for a technician injured by a propeller during routine maintenance.
  • Coverage of lost wages for employees recovering from workplace-related injuries.
  • Rehabilitation expenses following serious injuries incurred at work.
  • Death benefits and funeral expenses if a fatal injury occurs on the job.

What Else do Aviation Mechanics Need?

Comprehensive protection for aviation mechanics involves additional specialized coverage:

  • Professional Liability Insurance: Protects you and your company if someone claims you made professional mistakes or were negligence in your aircraft inspections or repairs.
  • Hangarkeepers Liability Insurance: When you store aircraft or simply have it on site for servicing, and it becomes damaged, this covers it.
  • Tools and Equipment Coverage: If your expensive, valuable tools are stolen, lost, or damaged in some way, this protects against you having to replace them yourself.
  • Commercial Auto Insurance: Necessary for when you use vehicles to transport equipment, personnel, or materials to service aircraft at other sites.
  • Pollution Liability Insurance: If you spill chemicals or fuel while repair or servicing aircraft, it creates environmental damages that are expensive to clean up.
  • Cyber Liability Insurance: Anytime you store sensitive information digitally, you risk losing it due to data corruption or other cyber threats.
  • Commercial Property Insurance: Whether you lease your workspace or own it outright, this provides protection for that property.

FAQs For Aviation Mechanic Insurance

How Much is Aviation Mechanic Insurance?

Your company's needs are unique, and that means your rates will be too. We work to get you the best deals that fit right into your budget.

How to buy Aviation Mechanic Insurance?

You can buy it through any licensed insurance broker. Obviously we're biased though, and we recommend that you contact us because we specialize in providing coverage for aviation mechanics.

Do aviation mechanics need professional liability insurance?

Yes they do. If a client believes that you made an error that caused them financial loss, they'll sue you. This pays for your legal defense, and if the court rules against you it will pay for the settlement as well.

What is hangarkeepers liability insurance?

It protects you against damage or loss to aircraft in your care, custody, or control during storage or maintenance.

Does workers' compensation cover aviation mechanics?

Yes, workers’ comp covers aviation mechanics for injuries sustained while performing job-related tasks.

What insurance protects my aviation tools and equipment?

Tools and equipment coverage specifically insures your valuable aviation tools against theft, damage, or loss.

Do aviation mechanic businesses require commercial auto insurance?

Yes, if vehicles are used for business purposes, such as transporting equipment or traveling to service aircraft.

Why Choose USA Insurance

You're a leader in your field and that means you should partner with a leader in the insurance field. And that leader is USA Insurance.

  • We've sustained a 99% customer satisfaction level for two decades.
  • You'll get exceptional expertise in commercial and aviation-specific insurance.
  • Our services are available in all 50 states, and we still personalize them with local market understanding.
  • You get coverage that is precisely suited to your company's needs.
  • We issue your policies fast, and give you affordable, flexible payment terms.

Located in Burbank, CA, we offer personalized local attention backed by nationwide resources, ensuring your aviation mechanic business receives the tailored protection it deserves. Give us a call today and we'll show you how we can do that for you.

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